Madad Invest Bank cards: fees
Fees as of 22.10.2026More details
Madad Invest Bank: 7 cards — Uzcard, Humo, Visa, Mastercard.
Fees are taken from the banks’ websites and may change: check the terms with the bank before getting a card. The amount in the table is for the main case (for example, withdrawal at the bank’s own ATM); variants and conditions are shown in the cell.
Uzcard in UZS
Uzcard-Mastercard (co-badge)
| Issuing | freefreeCards page: «Opening and maintenance: free»; tariffs cl. 25: issuance of Uzcard/Humo cards is free |
|---|---|
| Maintenance | freefreeCards page: “Opening and maintenance: free”; the tariffs have no separate maintenance fee for UZS cards |
| Reissue | freeupon expiry: free; if lost: 30 000 UZS; for mechanical damage: 30 000 UZS; for technical damage: freeitem 27 of the tariffs; VAT is given as «KKS» in the uz version (incl. VAT) |
| Withdrawal at own ATMs | 1%ATM: 1% of the amount; bank cash desk: 0,5% of the amountcl. 29 of the tariffs (a, v). The tariffs do not distinguish own/third-party ATMs — 1% for all ATMs |
| Withdrawal at other banks’ ATMs | 1%ATM: 1% of the amount; another bank's cash desk with another bank's card: 0,5%item 29 of the tariffs; there is no separate rate for other banks' ATMs |
| Top-up | freeat the bank's branches and ATMs: free; top-up of cards issued by other banks (teller/ATM): 0,5%cl. 30, 31 of the tariffs |
| Transfer to another bank’s card | 0.4%From a Uzcard card to any card of another bank via remote banking: 0.4% of the amount; between Madad cards: free; from a Uzcard account to accounts in other banks by details via the app: 0.4%tariffs cl. 32 (a, b, d) |
| Other | blocking a card for loss/damage: no fee; payments for utilities, fines, etc. via RBS: freecl. 28, 33 of the tariffs |
| Deposit / minimum balance | freeSecurity deposit 0$card page: “Security deposit: 0$”; tariff cl. 37: no security deposit (Visa) |
Uzcard-Mastercard co-badged card (UZS). Uzcard-side tariffs are from cl. 24-33 of the document; there are no separate Mastercard-side tariffs. Limits, cashback, validity are not stated on the website.
Humo in UZS
Humo
| Issuing | freefreeCards page: «Opening and maintenance: free»; tariffs cl. 25: issuance of Uzcard/Humo cards is free |
|---|---|
| Maintenance | freefreeCards page: “Opening and maintenance: free”; the tariffs have no separate maintenance fee for UZS cards |
| Reissue | freeupon expiry: free; if lost: 30 000 UZS; for mechanical damage: 30 000 UZS; for technical damage: freeitem 27 of the tariffs; VAT is given as «KKS» in the uz version (incl. VAT) |
| Withdrawal at own ATMs | 1%ATM: 1% of the amount; bank cash desk: 0,5% of the amountcl. 29 of the tariffs (a, v). The tariffs do not distinguish own/third-party ATMs — 1% for all ATMs |
| Withdrawal at other banks’ ATMs | 1%ATM: 1% of the amount; another bank's cash desk with another bank's card: 0,5%item 29 of the tariffs; there is no separate rate for other banks' ATMs |
| Top-up | freeat the bank's branches and ATMs: free; top-up of cards issued by other banks (teller/ATM): 0,5%cl. 30, 31 of the tariffs |
| Transfer to another bank’s card | freefrom Humo to Humo of any bank: free; from Humo to Uzcard: 0,4%; from a Humo account to accounts in other banks by details via the app: 0,1%; between Madad cards: freecl. 32 (a, v, g, e) of the tariffs |
| Other | blocking a card for loss/damage: no fee; payments for utilities, fines, etc. via RBS: freecl. 28, 33 of the tariffs |
Card page: «Opening and maintenance: free»; the security deposit for Humo is not specified on the page (min_balance not found). An application and an ID card are required to open.
Visa in UZS
Visa Classic
| Issuing | freefreecl. 34 of the international payment systems tariffs: Visa Classic, Gold, Platinum — free; cards page: “Opening and maintenance: free” |
|---|---|
| Maintenance | freefreecl. 38 of the tariffs: bank card maintenance (per year) — free |
| Reissue | freeat the bank's initiative: free; at the customer's initiative (loss, theft, damage): 35 000 UZS incl. VATtariff cl. 35; fees are charged in UZS only |
| Withdrawal at own ATMs | freeat the bank’s cash withdrawal points: up to 30 000 000 UZS per calendar month — 0%; above that — 0,5% of the amount exceeding the limitclause 49 of the tariffs; the bank's ATMs are not listed separately |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash-out points of third-party banks (Domestic): 1% of the amounttariff cl. 49; an additional fee of the servicing payment system may be charged |
| Withdrawal abroad | 1.2%at ATMs and cash points of third-party banks: 1,2% of the transaction amount, minimum 2 USD incl. VATtariff cl. 49; minimum 2 USD (for a UZS card not converted into UZS: rate not specified) |
| Top-up | freecard account top-up: free; non-cash top-up from Uzcard/Humo cards, other banks' international payment system cards, via Swift: freecl. 41, 42 of the tariffs |
| Transfer to another bank’s card | 1%to an international payment system card of another bank in Uzbekistan: 1% of the amount; to a Madad international payment system card: free; to a foreign bank card: up to 100 USD — 2%, from 100 USD — 1%tariffs cl. 43 |
| Other | 3D Secure: free; blocking/unblocking: free; Chargeback: processing (arbitration) 25 EUR, administrative fee 350 EUR, appeal against the decision 500 EUR; certificates for submission on request: freetariff cl. 39, 45-48; chargeback — bank costs if the customer's claim is found unfounded |
| Deposit / minimum balance | freeSecurity deposit 0$card page: “Security deposit: 0$”; tariff cl. 37: no security deposit (Visa) |
| Validity | 3 years |
UZS Visa Classic. Limits, cashback and interest on balance are not specified.
Visa Platinum
| Issuing | freefreecl. 34 of the international payment systems tariffs: Visa Classic, Gold, Platinum — free; cards page: “Opening and maintenance: free” |
|---|---|
| Maintenance | freefreecl. 38 of the tariffs: bank card maintenance (per year) — free |
| Reissue | freeat the bank's initiative: free; at the customer's initiative (loss, theft, damage): 35 000 UZS incl. VATtariff cl. 35; fees are charged in UZS only |
| Withdrawal at own ATMs | freeat the bank’s cash withdrawal points: up to 30 000 000 UZS per calendar month — 0%; above that — 0,5% of the amount exceeding the limitclause 49 of the tariffs; the bank's ATMs are not listed separately |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash-out points of third-party banks (Domestic): 1% of the amounttariff cl. 49; an additional fee of the servicing payment system may be charged |
| Withdrawal abroad | 1.2%at ATMs and cash points of third-party banks: 1,2% of the transaction amount, minimum 2 USD incl. VATtariff cl. 49; minimum 2 USD (for a UZS card not converted into UZS: rate not specified) |
| Top-up | freecard account top-up: free; non-cash top-up from Uzcard/Humo cards, other banks' international payment system cards, via Swift: freecl. 41, 42 of the tariffs |
| Transfer to another bank’s card | 1%to an international payment system card of another bank in Uzbekistan: 1% of the amount; to a Madad international payment system card: free; to a foreign bank card: up to 100 USD — 2%, from 100 USD — 1%tariffs cl. 43 |
| Other | 3D Secure: free; blocking/unblocking: free; Chargeback: processing (arbitration) 25 EUR, administrative fee 350 EUR, appeal against the decision 500 EUR; certificates for submission on request: freetariff cl. 39, 45-48; chargeback — bank costs if the customer's claim is found unfounded |
| Deposit / minimum balance | freeSecurity deposit 0$card page: “Security deposit: 0$”; tariff cl. 37: no security deposit (Visa) |
| Validity | 3 years |
UZS Visa Platinum. Limits, cashback and interest on balance are not specified. Tariffs cl. 34-51 are the same for Classic/Gold/Platinum without division by account currency (fees are charged in UZS).
Visa in USD
Visa Classic
| Issuing | freefreecl. 34 of the international payment systems tariffs: Visa Classic, Gold, Platinum — free; cards page: “Opening and maintenance: free” |
|---|---|
| Maintenance | freefreecl. 38 of the tariffs: bank card maintenance (per year) — free |
| Reissue | freeat the bank's initiative: free; at the customer's initiative (loss, theft, damage): 35 000 UZS incl. VATtariff cl. 35; fees are charged in UZS only |
| Withdrawal at own ATMs | freeat the bank’s cash withdrawal points: up to 30 000 000 UZS per calendar month — 0%; above that — 0,5% of the amount exceeding the limitclause 49 of the tariffs; the bank's ATMs are not listed separately |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash-out points of third-party banks (Domestic): 1% of the amounttariff cl. 49; an additional fee of the servicing payment system may be charged |
| Withdrawal abroad | 1.2% (min. 2 USD)at ATMs and cash points of third-party banks: 1,2% of the transaction amount, minimum 2 USD incl. VATcl. 49 of the tariffs; minimum 2 USD |
| Top-up | freecard account top-up: free; non-cash top-up from Uzcard/Humo cards, other banks' international payment system cards, via Swift: freecl. 41, 42 of the tariffs |
| Transfer to another bank’s card | 1%to an international payment system card of another bank in Uzbekistan: 1% of the amount; to a Madad international payment system card: free; to a foreign bank card: up to 100 USD — 2%, from 100 USD — 1%tariffs cl. 43 |
| Other | 3D Secure: free; blocking/unblocking: free; Chargeback: processing (arbitration) 25 EUR, administrative fee 350 EUR, appeal against the decision 500 EUR; certificates for submission on request: freetariff cl. 39, 45-48; chargeback — bank costs if the customer's claim is found unfounded |
| Deposit / minimum balance | freeSecurity deposit 0$card page: “Security deposit: 0$”; tariff cl. 37: no security deposit (Visa) |
| Validity | 3 years |
Dollar Visa Classic. The tariffs are the same for account currencies (cl. 34-51), fees are charged in UZS.
Visa Platinum
| Issuing | freefreecl. 34 of the international payment systems tariffs: Visa Classic, Gold, Platinum — free; cards page: “Opening and maintenance: free” |
|---|---|
| Maintenance | freefreecl. 38 of the tariffs: bank card maintenance (per year) — free |
| Reissue | freeat the bank's initiative: free; at the customer's initiative (loss, theft, damage): 35 000 UZS incl. VATtariff cl. 35; fees are charged in UZS only |
| Withdrawal at own ATMs | freeat the bank’s cash withdrawal points: up to 30 000 000 UZS per calendar month — 0%; above that — 0,5% of the amount exceeding the limitclause 49 of the tariffs; the bank's ATMs are not listed separately |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash-out points of third-party banks (Domestic): 1% of the amounttariff cl. 49; an additional fee of the servicing payment system may be charged |
| Withdrawal abroad | 1.2% (min. 2 USD)at ATMs and cash points of third-party banks: 1,2% of the transaction amount, minimum 2 USD incl. VATcl. 49 of the tariffs; minimum 2 USD |
| Top-up | freecard account top-up: free; non-cash top-up from Uzcard/Humo cards, other banks' international payment system cards, via Swift: freecl. 41, 42 of the tariffs |
| Transfer to another bank’s card | 1%to an international payment system card of another bank in Uzbekistan: 1% of the amount; to a Madad international payment system card: free; to a foreign bank card: up to 100 USD — 2%, from 100 USD — 1%tariffs cl. 43 |
| Other | 3D Secure: free; blocking/unblocking: free; Chargeback: processing (arbitration) 25 EUR, administrative fee 350 EUR, appeal against the decision 500 EUR; certificates for submission on request: freetariff cl. 39, 45-48; chargeback — bank costs if the customer's claim is found unfounded |
| Deposit / minimum balance | freeSecurity deposit 0$card page: “Security deposit: 0$”; tariff cl. 37: no security deposit (Visa) |
| Validity | 3 years |
Dollar Visa Platinum. The tariffs are the same for account currencies (cl. 34-51), fees are charged in UZS.
Mastercard in UZS
Uzcard-Mastercard (co-badge)
| Issuing | freefreeCards page: “Opening and maintenance: free” (Uzcard-Mastercard co-badge) |
|---|---|
| Maintenance | freefreeCards page: «Opening and maintenance: free» |
| Other | the document has no separate tariffs for the Mastercard side of the co-badgethe tariffs include only Uzcard (soum) and Visa; for co-badge operations, see the uzcard entry of the same product |
| Deposit / minimum balance | freeSecurity deposit 0$card page: “Security deposit: 0$”; tariff cl. 37: no security deposit (Visa) |
Uzcard-Mastercard co-badged card (UZS). Uzcard-side tariffs are from cl. 24-33 of the document; there are no separate Mastercard-side tariffs. Limits, cashback, validity are not stated on the website.